The downsides to identity fraud come from letting the parties that are defrauded push the problem onto an uninvolved third party. It should be easy to tell a b

The downsides to identity fraud come from letting the parties that are defrauded push the problem onto an uninvolved third party. It should be easy to tell a bank to screw off when they issue a fraudulent account, it isn't the named parties fault that the bank wasn't diligent.